Perlindungan Hukum bagi Pemenang Lelang terhadap Gugatan Debitur Menurut Undang-Undang Nomor 4 Tahun 1996 tentang Hak Tanggungan

Octavian, Verri

FOCUS: Journal of Social Studies
Vol 6 No 2 (2025): FOCUS: Jurnal Ilmu Pengetahuan Sosial

Legal protection for auction winners is a crucial aspect of the mortgage execution system, especially when debtors file lawsuits after the auction. This study analyzes the legal protection for auction winners against debtor lawsuits based on Law Number 4 of 1996 on Mortgage Rights, as well as the obstacles in its implementation. The study reveals that although legal norms provide certainty for auction winners, challenges persist in the form of lawsuits filed by debtors, lack of coordination between the judiciary and auction institutions, and debtor ignorance regarding execution mechanisms. To overcome these obstacles, regulatory improvements, increased transparency in the auction system, and clearer judicial guidelines for handling post-auction disputes are necessary. With the implementation of these solutions, legal certainty for auction winners is expected to be enhanced, ensuring a more effective and fair mortgage execution system.